Member-owners are what make us a co-op! Sign up to become a member and we can make great things happen working together..

A co-operative is people and our co-operative is constantly striving to ensure that our policies and practices are in the best interest of members we serve, and designed to maintain the co-operative as an effective co-operative in the market place.

A co-operative is an autonomous association of persons united voluntarily to meet their common economic, social, and cultural needs and aspirations through a jointly owned and democratically controlled enterprise.

Co-operatives are based on the values of self-help, self-responsibility, democracy, equality, equity and solidarity. In the tradition of their founders, co-operative members believe in the ethical values of honesty, openness, social responsibility and caring for others

There are a number of benefits of being a member, membership makes you an owner.

Member dividends are paid to members under certain conditions at the end of the fiscal year. The money comes from the Co-op’s surplus earnings and is "returned" to the member-owners.

Member-Owners invest in the Co-op to support the viability and growth of the cooperative. Each Member-Owner is a stakeholder in the cooperative business and is entitled to the voting and decision-making rights as outlined in the bylaws and as determined by Board of Directors .

Join today by printing off our Membership Application and mail it along with a minimum of $25 for your Membership Class A Share*. In a few weeks you will receive your membership card. Member-owners may withdraw their membership, and receive the full amount of their share investment minus a $5 processing fee, in accordance with Mutual Alliance Co-op Bylaws and withdrawal policy.

An RRSP transfer allows you to transfer funds from your existing Self-Directed RRSP (SD-RRSP) into a new account that we will set up and administer through the Canadian Workers Co-Operative Federation (CWCF). This process is a little more complicated because you will request and receive a new SD-RRSP account into which you will transfer the amount of cash agreed to in the Preference Shareholder Agreement that you signed as a first step. The main advantage to the SD-RRSP option is that the 5% annual dividend stays tax free inside the RRSP and is not subject to taxation until you redeem the funds.

When your savings earn a return, whether through interest or investments, that return normally counts as taxable income and of course, the tax you pay can significantly reduce the rate of growth of your savings. But if your savings are in a TFSA, you do not have to pay tax on returns they earn, not even when you withdraw money. That is what makes a TFSA tax-free, and not tax-deferred.€

Shares purchases in the Co-op are TFSA eligible, please contact us for further details.